We may charge a broker fee of up to £499 which will be payable on application.

At Orchard Financial Services we recognise the importance of protecting the things that matter most, your home, your loved ones and your health. It is impossible to predict just what might happen in the future and that is why we are committed to ensuring you have the best advice so you can be appropriately protected should the unexpected occur.

*Please note for these insurance products terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

Life Insurance can pay out a cash lump sum or a tax free monthly income on the event of a death, and can mean that a family doesn’t have to suffer the financial pain on top of the emotional anguish when losing a loved one. At Orchard Financial Services our experienced advisers can help ensure you have the right protection for your needs.


Please note that Orchard Financial Services does not offer advice on taxation matters. You should contact your accountant or other suitably qualified person to confirm whether this product is appropriate for your circumstances.

If you are diagnosed with a serious illness or sustain a serious injury, critical or serious illness policies can help to protect you from the financial implications you could face. In the event of a successful claim, a policy will be paid directly to you, and can be used for any purpose, such as maintaining your standard of living, paying your mortgage, making changes to your home, or paying for private healthcare. Many insurers will also offer children’s critical illness cover at no extra cost.  These policies can vary considerably from provider to provider which is why it is always best to seek professional advice.  To find out more talk to one of our experienced advisers.

Income protection insurance can provide up to 70% of your earnings should you be unable to work due to serious illness or injury. This can be paid until retirement or you return to earning a salary and means you will be able to meet your monthly financial commitments even if your earnings stop.